Invest in a child’s future.
Give them a head start with a custodial account. Start with $5.
Open a custodial account
What’s a custodial account?
With a custodial account (aka Kids Portfolio at Stash), you can buy stocks and ETFs on behalf of the children in your life—and the money is theirs when they turn 18. Custodial accounts can be opened by parents, grandparents, or even friends—anyone who wants to pass on generational wealth.
Expert advice in your pocket.
You’ll get personalized investment guidance to fit the needs of the children in your life. Plus, Stash is a Registered Investment Advisor, which means it’s our duty to act in your best interest, always.
Save for any goal.
Custodial accounts are flexible—you can give the gift of a down payment, or even a retirement nest egg to a child.
The choice is yours.
With fractional shares, you’ll be buying pieces of stock. So invest what you can afford.
It’s automatic.
With Auto-Stash, you can put building wealth for kids on autopilot.
How to open a custodial account.
Custodial accounts are only offered through our Stash+ account. Once you join Stash+, we’ll help walk you through the process of setting up your custodial account(s).
To prepare, you’ll need the following information for each child:
Full legal name- Date of birth
- Social security number
If you invest $5 a day from when a child is born, they could have over $73,000 by age 18.
Open a custodial accountChoose the plan that’s right for you.
Invest, bank and insure with ease.† Switch or cancel anytime.§
Stash Growth†
For beginner investing- For personal finances
For family finances- Stash+ Market Insights
- Invest in stocks and ETFs
- Personal Portfolio8
- Smart Portfolio7
- Retirement Portfolio4
- 2 Kids Portfolios5
- Get the Stock-Back® Card1
- Get paid up to 2 days early3
- Earn 1% in stock on card purchases1
- $1k life insurance offered by Avibra‡
Stash+†
- For beginner investing
- For personal finances
- For family finances
- Stash+ Market Insights
- Invest in stocks and ETFs
- Personal Portfolio8
- Smart Portfolio7
- Retirement Portfolio4
- 2 Kids Portfolios5
- Get the Stock-Back® Card1
- Get paid up to 2 days early3
- Earn 1% in stock on card purchases1
- $10k life insurance offered by Avibra‡
Frequently asked questions
How much does a custodial account cost?
The cost of a custodial account is included in a Stash+ subscription, which is $9/month.
Do custodial accounts get taxed?
Yes—but there are tax advantages. Until the child turns 18, investment income is taxed at a child tax rate.5 And a proportion of unearned income might be considered untaxed. Check here for more about custodial accounts and taxes. This should not be construed as tax advice. Please consult a tax professional for additional questions.
Is the Stash Custodial Account a Uniform Transfers to Minors Act (UTMA) account or Uniform Gift to Minors Act (UGMA) account?
Stash offers UGMAs.5 UGMA accounts are limited to financial assets of cash, securities—stocks, bonds, or mutual funds—annuities, and insurance policies. All U.S. states allow UGMA accounts.
The other type–UTMA accounts–can hold virtually any kind of asset, including real estate, intellectual property, and works of art. Stash does not offer UTMAs.
What is Stash?
Stash is a personal finance app that can help anyone improve their financial life.
From budgeting to saving for retirement, Stash features banking, investing, and advice all in one app. We’ve helped millions of Americans reach their financial goals–all for one low monthly price.
